Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
NBT BANCORP NA5 years Service code 21 · EIN 16-1268674 | Bank Trustee | $34,465 |
DIRECT ADVISORS, LLC1 year Service code 27 · EIN 20-5173405 | Advisory (Plan) | $6,046 |
Service code 13 · EIN 16-0380815 | Contract Administrator | $5,113 |
Filed as: CHARLES SCHWAB TRUST COMPANY Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,396 | $101,672-21.9% | $147,117-46.0% | $74,478+6.6% |
| Participation rate | 74.8% | 75.5%-0.8pp | 82.2%-7.4pp | 67.2%+7.5pp |
| Annual return | 11.91% | 8757.83%-8745.9pp | 420.54%-408.6pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $13,778 | $3,813+261.3% | $4,932+179.3% | $2,626+424.6% |
| Participant deferral / active EE | $3,045 | $7,305-58.3% | $8,065-62.2% | $4,350-30.0% |
| Admin fee / account holder | $402 | $1,753-77.1% | $12,993-96.9% | $1,946-79.3% |